The CenterPoint Energy Savings Plan is a valuable benefit designed to help

support your retirement savings strategy. This guide provides highlights of the

Savings Plan for those new to saving as well as experienced investors.

See complete details at cnpsavings.voya.com.

Welcome to the CenterPoint Energy Savings PlanQuick Guide

The CenterPoint Energy Savings Plan offers great benefits, including:

• Reduced income taxes today through pre-tax contributions

• Tax-free income in retirement through Roth 401(k) contributions*

• Company matching contributions

• Diversified investment options

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Since saving for retirement is important, CenterPoint Energy will automatically enroll you in the Savings Plan at a 3% savings rate after 30 days of employment.

* For Roth contributions and earnings to be eligible for tax-free withdrawals it must have been at least five years since the first day of the year in which you made your initial Roth deposit to your account and you must be at least age 59½ (or the withdrawal must be in the event of your disability or your death). Roth contributions are subject to tax at the time of contribution.

Maximize Your Savings.CenterPoint Energy adds a dollar

to your account for every dollar

you contribute, up to the first

6% of your eligible pay. Set your

contribution rate to at least 6%

to get the full company match,

but don’t stop there. Increasing

your contributions now can

really pay off in retirement.

$600k

$500k

$400k

$300k

$200k

$100k

$0

10Years 20 30

6% Contribution ($200/mo.) plus 6% Employer Match ($200/mo.)

10% Contribution ($333/mo.) plus 6% Employer Match ($200/mo.)

$391,703

$552,270

Based on an annual salary of $40,000 with a 6% average annual investment return compounded monthly. This example is for illustrative purposes only. It is not intended to represent the future returns of any investments in the Plan and is not intended as investment advice.

CenterPoint Energy helps you save.

Time is on your side if you start saving now.

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2 Starting right now can make a huge difference. Why? Because your investment earnings get reinvested back into your account, where they can grow further through a powerful process called compounding.

Your earnings grow tax-free while your money is invested in the Savings Plan. You pay taxes when you withdraw your savings. Roth contributions are taxed at the time of contribution, but earnings grow tax-free while they are invested in the Savings Plan and you can take tax-free withdrawals in retirement.

If you save $100 a month,* you could end up with:

* Based on saving $100 a month and getting an additional $100 a month in matching contributions, with a 6% average annual investment return compounded monthly. This example is for illustrative purposes only. It is not intended to represent the future returns of any investments in the Plan and is not intended as investment advice. All investments entail risk and the value of investments can go up or down at any time.

The company will match your contributions dollar for dollar, up to the first 6% of your eligible pay. These matching contributions help your account grow faster.

Three reasons the CenterPoint Energy Savings Plan makes sense.

Starting early and saving for 40 years instead of

30 years almost doubles the amount of money

you end up with.

40 years

$398,298

$200,903

$92,408

30 years

20 years

Your 401(k) savings belongs to you.

3 You are immediately 100 percent vested in all Savings Plan contributions, including the company match. That means you are entitled to all the funds in your Savings Plan account.

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When it comes to planning for retirement, saving gets you started, but it’s knowing how much income you’ll need that can help you work toward being ready. The myOrangeMoney® experience on your Savings Plan website and mobile app instantly shows you how your savings can translate into estimated monthly income in retirement. You can model a variety of saving and investment scenarios to help close any savings gaps, factor in outside income sources like Social Security and explore how estimated healthcare costs in retirement might impact your income needs. And when you’re ready to make a change, simply click the Make Change Now button on the Savings Plan website to put your plan into action!

Check your savings progress with myOrangeMoney®

You don’t have to wait for automatic enrollment, you can start saving today!

• Log in with your Social Security number and Voya password

• From the Home Page select Enroll Now

• Select your contribution rate (the percentage of your paycheck you want deducted and invested into your account each pay period)

• Select a mix of investment funds

• Confirm and Submit

You’ll get a confirmation statement typically within one to two pay periods.

• Log in with your Social Security number and Voya password

• Select Enrollment

• Follow the instructions

• Press “0” at any time to speak to a customer service associate

ONLINE PHONEcnpsavings.voya.com 844-273-8692or

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Whether you want help choosing investments and managing your account, or prefer to make investment decisions on your own, the CenterPoint Energy Savings Plan gives you options. For more information about the funds, including historical performance, go to Investments on the Savings Plan website.

Choose your own investment path

Get there

myself

If you want

To create your own investment strategy and you have the investment knowledge and time, you can choose your investments from the available core fund line-up.

Consider:

The Plan’s Core Investment Options — You may invest in any fund or combination of funds offered by the Savings Plan. These include stocks, bonds and cash investments.

Get me

there

If you want:

Professional advice and financial planning guid-ance tailored to your personal situation, Voya Retirement Advisors (VRA)* provides you with two levels of service.

Consider:

Online Advice — If you prefer to manage your own account, this online service lets you get personalized retirement income forecasts, risk assessments, and specific savings and fund recommendations at no additional cost to you.

Professional Management — If you prefer to have your account managed for you, you can work with a VRA Investment Advisor Representative and receive personalized advice and forecasts, as well as specific savings and fund recommendations.

There is an additional fee based on your account balance if you enroll in the Professional Management program. For details, go to Account > Get Advice on the Savings Plan website or call the Savings Plan Center at 844-273-8692 and ask to speak to a VRA Investment Advisor Representative. Representatives are available from Monday–Friday (excluding stock market holidays), 7 a.m.– 7 p.m. Central time.

Guide me

If you want:

The convenience of having a professional choose and manage your investment mix based on your anticipated retire date, consider a target date option.

Consider:

The Target Retirement Income Funds — Helps you eliminate the guesswork of choosing multiple funds because you only choose one fund based on the year you want to retire. Professional investment managers do all the work by investing in a mix of funds guided by the number of years until retirement.

* Advisory Services provided by Voya Retirement Advisors, LLC (VRA). For more information, please read the Voya Retirement Advisors Dis closure Statement, Advisory Services Agreement and your Savings Plan’s Fact Sheet. These documents may be viewed online by accessing the advisory services link(s) through the Savings Plan website at cnpsavings.voya.com. You may also request these from a VRA Investment Advisor Representative by calling the Savings Plan Center at 844-273-8692. Financial Engines Advisors L.L.C. acts as a sub-advisor for Voya Retirement Ad visors, LLC. Financial Engines Advisors L.L.C. (FEA) is a federally registered investment advisor and wholly owned subsidiary of Financial Engines, Inc. Neither VRA nor FEA provides tax or legal advice. If you need tax advice, consult your accountant or if you need legal advice consult your law yer. Neither Voya Retirement Advisors nor Financial Engines Advisors can guarantee results and past performance is no guarantee of future results. Financial Engines® is a registered trademark of Financial Engines, Inc. All other marks are the exclusive property of their respective owners.

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* Includes iPhone®, iPod Touch® and iPad®, trademarks of Apple, Inc., registered in the United States and other countries. App Store is a service mark of Apple, Inc. Android is a trademark of Google, Inc. Amazon and Kindle are trademarks of Amazon.com, Inc. or its affiliates.

Watch for your new password Your Voya Financial® password, which you will need to enroll in the Savings Plan, was recently mailed to you. If you don’t have your password, call the CNP Savings Plan Center and press 0. Or you can visit the CNP Savings Plan website and click Forgot Password.

Total access

You can connect to your Savings Plan whenever you need to.

ONLINE cnpsavings.voya.com

MOBILE Search Voya Retire to download the mobile app from your preferred app store.

PHONE Call the CNP Savings Plan Center at 844-273-8692. For TTY, call 877-517-1259. Voya Customer Service Associates are available to assist you Monday–Friday (excluding stock market holidays), 7 a.m.–7 p.m. Central time.

CN0916-17679-1017 CPE_EnrollBrochure_1015 © 2015. Voya Services Company. All Rights Reserved.

About Voya Financial®

Voya Financial (NYSE: VOYA) is a premier retirement, investment and insurance company servicing the financial needs of approximately 13 million individual and institutional customers throughout the United States. Voya Institutional Plan Services, LLC (VIPS), a member of the Voya family of companies, is the Plan’s recordkeeper. VIPS provides you with Plan information, saving and investing education, transaction processing and more on your journey to retirement.